The information below contains important points which You need to know about Supacompare.com and MediaBlanket Ltd and the service We provide. We request that You read the following Terms and Conditions prior to using this form, to ensure that You are satisfied with the service that We can offer You.
If, after reading our Terms and Conditions, You do not agree with the content then We request that You do not use Our service.
"Terms" means these terms and conditions
"Users" means the users of the Website collectively
"User Information" means the details provided by You on any application via the Website
“Iframe” means Our hosted form which is used by this site that it is embedded within
"We/Us/Our" means MediaBlanket Ltd;
"Website" means the Website or any subsequent URL which may replace it which is used to access Our form
"You/Your/Customer" means a user of the Website
“Service” means the process in which MediaBlanket Limited matches Your application with a Lender or Finance Provider
“MediaBlanket” means MediaBlanket Limited
“Lender/Provider” means the third party company who may provide You with a loan or a Loan Brokerage service and or another financial service
Supacompare.com are one of the fastest growing comparison sites in the UK. We act as an independent credit broker, not a lender.
Supacompare is a trading name of Mediablanket Ltd.
MediaBlanket Ltd is registered in the UK under company number 07949139.
Registered address: MediaBlanket Ltd, The Old Bank, 247 Chapel Street, Salford, M3 5EP. Registered with the Information Commissioners Office Z3334636.
Authorised & regulated by the Financial Conduct Authority under Firm Reference No: 723605
Mediablanket Ltd own and operate other products but do not offer preferential treatment or placement.
Supacompare.com is free to use. You don’t have to apply for any of the products we offer (“products”) to use our services, and we don’t sell your data or charge third parties for access to it. Instead, the partners that we work with such as credit issuers, credit brokers or other service providers (referred to in these terms as “partners”) pay us a commission if you take out a new product with them.
You need to create an account with us to access the full range of our services, including:
When you register, you must give us true, accurate, current and complete information about yourself. The results we show you are based mainly on the information you provide. If you don’t keep your information up to date, your results are likely to be less accurate. We recommend that you update your account information regularly, and as soon as possible if something important changes (e.g. your address or income or outgoings). You can update your information easily on Supacompare.com
We work with Experian Ltd (“Experian”) to give you a unique score, known as your SupaScore. Your Credit Worthiness is an indication of the credit available to you at a given time. If Experian can find your credit history, we calculate your Credit Worthiness:
We’ll show you your current SupaScore as a score out of ten, in your account. We’ll also send you a monthly service email to tell you about any changes. We’ll use your score to show you tailored information about products that might be available to you.
Our relationship with the credit reference agencies
We work together with credit reference agencies to make our services available to you. A credit reference agency is a company that collects personal information from various sources and provides that personal information to banks and financial institutions to help them make credit decisions. A credit report shows you the information that a credit reference agency holds about you. We have appointed:
The partners we work with may also use credit reference agencies when they assess your eligibility.
Powered by TransUnion
Our credit report service is powered by TransUnion. This means that we share some of the personal information you give us with TransUnion and its subcontractors so that they can search their own and third-party databases to find information they hold about you, and to tell you whether they are able to provide you with a credit report through Supacompare
When we check whether TransUnion is able to provide you with a credit report and when we retrieve your credit report and credit score from TransUnion, we are making a subject access request under Article 15 of the GDPR to TransUnion, on your behalf.
By creating an account with us:
For details of how we use your credit report data and credit score data, see our Privacy Notice.
Authenticating you for a credit report
When you sign up for an account, we may use your account data to check whether TransUnion is able to provide you with a free credit report and credit score. If we are going to do this check, we will make it clear to you in the sign up terms that are shown to you before you create your account.
You will need to successfully pass an authentication process before we can show you your credit report and credit score. The authentication process is designed and operated by TransUnion.
You may not successfully pass authentication. This may be because TransUnion:
Supacompare and TransUnion are not required to tell you why you haven’t been successfully authenticated, whatever the reason.
Whilst we do everything we can to avoid asking you for credit card details, you may be asked by TransUnion to confirm your credit card details, as an anti-fraud measure. If you are asked to confirm your credit card details, you will be confirming them to TransUnion only and not to us.
Updates to your credit report and credit score
If you pass the authentication process (as above) and we are able to provide you with your free credit report and credit score, we’ll show you your credit report and credit score in your account.
We’ll ask for your credit score data from TransUnion each time that you log into your account, so that we can provide you with a live score. Your score is updated each time you sign in.
While your account is open, we’ll also ask TransUnion for your credit report and credit score data once a month, so that we can update your credit report and credit score. This means that your credit report is updated once a month. We’ll send you a monthly email as a reminder that we have got your credit report and score data from TransUnion. We reserve the right to stop updating your credit report and credit score on a monthly basis if your account is inactive for 12 months or more.
We use your credit report data to personalise and improve the service. For more details, see our Privacy Notice.
Incorrect information in your credit report
It is TransUnion, not us, who coordinates making changes to credit report data. If you wish to dispute the accuracy of anything shown in your credit report, please use the “raise a dispute” buttons in the “My Credit Report” area of your account to raise a dispute directly with TransUnion. If you have any questions about your credit report, please contact us in the first instance.
What happens if we can’t find your credit history
We can’t guarantee that we’ll be able to provide your free credit report or credit score. This is because you might not be found by the credit reference agencies or partners that we work with - for example, if you are new to the UK, or have a very limited credit history. In those cases, we’ll present information that could help you to understand how to improve your chances of being found in future.
We’ll show you credit cards, loans, mortgages and other products for consumers.
Your results for credit products are based on our unique algorithm, which considers factors such as:
We sort your offers based on their features and the information that you have provided. Although we may be paid commission, this never influences how your offers are ranked.
We check your eligibility for products. We contact Experian and certain partners (who in turn may contact credit reference agencies). They use the information you provide to analyse your eligibility for products using their databases and their knowledge of the acceptance criteria for products (“eligibility checks”). An eligibility check isn’t an application for credit, and it won’t harm your credit rating. By checking your eligibility for a product on our website or app, you are not committing to make an application for that product. If you want to apply for a product you find on our website or app, we’ll pass you through to the relevant partner.
We work with partners to present their products and related offers to you, and to allow you to apply for products on the partners’ websites.
Not all partners featured on our website and app provide eligibility information, so you might see products listed that have no information about your likelihood of being accepted for them. Even if your tailored results indicate that you are likely to be accepted for a product, this is not a guarantee that you will be accepted. The partner is entirely responsible for deciding whether to accept you, using its own acceptance criteria. The exception is where we indicate that you are “pre-approved” for a credit product (e.g. for a credit card or loan). In those cases you are definitely eligible for the product, but your application is still subject to passing the relevant lender or credit broker’s checks, for example fraud, ID, vehicle checks and responsible lending checks. See ‘Pre-approval’ below for more information about this.
We’ll pre-populate partner application forms for you
If you click to apply for a certain product, we sometimes pass your information to that partner to pre-populate the application form and to make the process quicker for you.
What happens if you are an existing customer of a partner
When a partner assesses your eligibility for products, it may also tell us if you are an existing customer because that fact might influence your eligibility for additional products from the same partner. Being an existing customer could reduce your eligibility for additional products from that partner, or it might mean that you are pre-selected to see additional offers. It depends on the partner’s policies.
What partners tell us about your application
If you leave our website and app to apply for a product with a partner, the partner may tell us later if your application was successful, referred or declined. We use that information to:
Our energy comparison and switching service is powered by Love Energy Savings.
We can’t influence partner decisions about you. If you want to apply for a product, you can do so by following the link from the website to the relevant partner’s website.
We don’t control the partner’s website, so we can’t be responsible for any personal data that the partner collects, stores and uses through their website without our involvement. You should always read the privacy notice of each website you visit carefully and before you submit any personal data to the partner.
Supacompare.com and its partners will soft search you while your account is live, this is to provide you with updates and personalised information and offers. Supacompare and its partners will soft search your credit file with TransUnion and other credit reference agencies for the following reasons:
You may see these soft searches as ‘footprints’ on your credit report in either our name or the name of one of the partners or credit reference agencies that we work with. Soft searches on your credit file will be given different markings, depending on their purpose, such as:
Some examples are below. This list is not exhaustative:
If we run a trial with a potential supplier and partner and we need to use real rather than dummy or anonymous data for the test to be effective you may see a footprint relating to that trial on your credit file.
See our Privacy Notice for more details.
By using our services, you confirm that:
You’re at least 18 years of age and resident in the United Kingdom;
You will only use our services and materials (e.g. content from our website, app or emails, referred to in these terms together as the “ related materials ”) in your own name, for personal and non-commercial purposes;
You won’t allow anyone else to use your account, either for their own purposes or on your behalf.
You are entitled to download content relating to your activity, however please be aware this removes the security protection afforded by the website and this may increase your risk of identity theft, fraud or other disclosure of your personal data. You may print a reasonable number of copies of the related materials for your own personal use.
You must not:
If you do any of these acts, you may commit a criminal offence. We’ll report any criminal acts to the relevant law enforcement authorities.
You acknowledge and agree that:
We are within our rights to use the information you provide to us on the website - we use this so we can provide, personalise and improve the website and and the services we offer you. For more information about how we use your personal data, please see our Privacy Notice.
You can access your Supacompare.com account using your email address and password. You must keep your log in details private and not share them
You agree to:
You acknowledge and agree that:
We always try to make sure that the content provided by our contracted third-party suppliers is accurate and complete. However, we can’t guarantee that it is completely accurate because some of this information comes from other businesses. If you notice any mistakes relating to content on the website, please let us know at email@example.com
Important: Please note that we can’t correct information on your credit report. You can challenge incorrect information on your credit report using the “raise a dispute” function in your account. This will allow you to raise the dispute directly with TransUnion, who provide the credit report data.
Any links on the website to third party websites and resources are provided solely for your information and convenience. We don’t approve, endorse or make any representations about any such third-party websites or any material found on them or your use of that material. If you use these links, you do so at entirely at your own risk.
Any information provided to you by us as part of the services is provided for guidance and information only. You should not rely on the information provided as part of services and neither we nor any credit reference agency (including in the case of the credit report service, TransUnion or any member of the TransUnion group of companies) are responsible or liable to you if you rely on it or take any action based upon it.
We are not responsible for:
The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.